System and method for providing third party payments with non-integrated merchants

ABSTRACT

A system and method in accordance with example embodiments may include third party payments with non-integrated merchants. A system and method in accordance with example embodiments may utilize a plug in or application to intercept retailer data from a third party, analyze data, and present information to a customer based on the intercepted data and the analysis.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application claims priority to U.S. Provisional Patent ApplicationNo. 61/778,776, filed on Mar. 13, 2013, the entire contents of which isincorporated herein by reference.

FIELD OF THE DISCLOSURE

The present disclosure relates to systems and methods for providingthird party payments with non-integrated merchants.

BACKGROUND OF THE DISCLOSURE

When a consumer is using a commercial website to make a purchase,typically, the consumer only has the payment options presented by themerchant. These payment options may include, for example, Visa,MasterCard, American Express, PayPal or other options presented by themerchant. Points (also known as Rewards, or other card-basednon-monetary currencies), which are managed by card-issuing banks,represent a non-monetary currency that can be redeemed for goods orservices, typically, merchandise or travel. Today this redemption takesplace on a financial institution's website, or at merchants that haveintegrated into the financial institution's systems to access aconsumer's points account. Additionally, today a consumer can only use apayment option that they have available at the moment of thetransaction, or one that the merchant offers them.

These and other drawbacks exist.

SUMMARY OF THE DISCLOSURE

A system for providing third party payments with non-integratedmerchants includes a processor that intercepts retailer data from athird party website, an analysis processor that analyzes the intercepteddata in relation to data pertaining to a customer, and an presentationprocessor that displays a payment option to a user on a user interfaceof a device associated with the user based on the intercepted retailerdata.

A method for providing third party payments with non-integratedmerchants includes intercepting, using a processor configured to executea browser plugin, retailer data from a third party website, analyzing,using an analysis processor, the intercepted data in relation to datapertaining to a customer, and displaying, using a presentationprocessor, a payment option to a user on a user interface of a deviceassociated with the user based on the intercepted retailer data.

BRIEF DESCRIPTION OF THE DRAWINGS

Various embodiments of the present disclosure, together with furtherobjects and advantages, may best be understood by reference to thefollowing description taken in conjunction with the accompanyingdrawings, in the several Figures of which like reference numeralsidentify like elements, and in which:

FIG. 1 depicts an example embodiment of a system implementing thirdparty payments with non-integrated merchants;

FIG. 2 depicts an example embodiment of a method utilizing third partypayments with non-integrated merchants;

FIG. 3 depicts an example embodiment of a system implementing thirdparty payments with non-integrated merchants;

FIG. 4 depicts an example embodiment of a system implementing thirdparty payments with non-integrated merchants;

FIG. 5 depicts an example embodiment of a system implementing thirdparty payments with non-integrated merchants;

FIG. 6 depicts an example embodiment of a system implementing thirdparty payments with non-integrated merchants;

FIG. 7 depicts an example embodiment of a system implementing thirdparty payments with non-integrated merchants;

FIG. 8 depicts an example embodiment of a system implementing thirdparty payments with non-integrated merchants; and

FIG. 9 depicts an example embodiment of a system implementing thirdparty payments with non-integrated merchants.

DETAILED DESCRIPTION OF THE EMBODIMENTS

The following description is intended to convey a thorough understandingof the embodiments described by providing a number of specific exampleembodiments and details involving systems and methods for providingthird party payments with non-integrated merchants. It should beappreciated, however, that the present disclosure is not limited tothese specific embodiments and details, which are examples only. It isfurther understood that one possessing ordinary skill in the art, inlight of known systems and methods, would appreciate the use of theinvention for its intended purposes and benefits in various embodiments,depending on specific design and other needs. A financial institution,system supporting a financial institution, and an issuer are used asexamples for the disclosure. The disclosure is not intended to belimited to financial institutions or issuers only.

The systems and methods may enable an issuing bank (one that issuescredit cards such as Visa or MasterCard) to provide real-time accountinformation and offer alternative payment options during checkoutactivity from a merchant's website. The systems and methods may operatein the form of a plugin. These are small applications or widgets thatenable small applications to run inside of a web browser. The systemsand methods may operate as a browser plugin or similar technology thatis able to interact with browser data. Additionally, the systems andmethods may operate as a mobile app or standalone computer program orservice. Further, the functionalities provided by the systems andmethods may be provided as part of a larger software package oroperating system, and the term “plugin” as used throughout may beimplemented in any of those forms or any other potential form.

In an example embodiment, the plugin may be manifested as a browsertoolbar, alert, page rendering, popup, etc. As a consumer navigates awebsite, the issuing bank may identify and intercept pricing data andshopping cart checkout data from the website. As pricing data isdisplayed, the issuing bank may evaluate the data in real time anddetermine if an offer is to be made. The offer may appear as a toolbarindicator, modification to the rendering of the webpage, or with apopup. As an example and not by way of limitation, the color of thedisplayed item pricing may be altered to green or red, to indicate ifthe user has enough of a credit line to purchase the item, or if pointsare available as at redemption. Alternatively, a popup may appear tonotify the customer that they have the necessary credit line topurchase.

In a fully manifested solution, as a consumer goes through the checkoutprocess, an offer of credit or purchase with points may be made. Thisoffer may be through a popup or through altering the rendered page. Ifthe customer accepts the offer to purchase with a special line of creditor to pay with points, the transaction may continue normally using theconsumer's existing debit or credit card from the issuer. When theconsumer accepts the offer from the issuer, the value of thetransaction, and the event time may be transmitted to the issuer. Themerchant's website may receive authentication for the transactionagainst the consumer's card through its usual clearing process.

When a consumer “accepts” an offer from the issuer, necessaryadjustments may be made to the card's credit line. For example if thecard has a $5,000 limit, and the current balance is $4900, the user maymake a $300 purchase using points. The issuer may temporarily increasethe available credit, or cash available (debit cards) on the account.The transaction may proceed as usual through the merchants' shoppingcart.

The issuer may match the transaction value and timestamp against theconsumer's account once the transaction concludes. They may then shiftthe charge from the account used for the transaction to another expenseaccount offered to and agreed to by the consumer. This may be a pointsaccount, or a one-time line of credit.

This integrated process of making an offer to the consumer is novel tothis systems and methods. As the browser widget that supports thissystems and methods is executing, it can monitor potential purchase todetermine if the consumer is eligible for an alternate means of payment.These alternate payment options may include points or a one time line ofcredit. A rules engine may evaluate the consumer's credit profile, andrewards accounts when making these determinations. For example, a largepurchase of $2000 may be identified as eligible for a one-time line ofcredit, rather than the consumer opting to revolve the charge on aregular card account. Determining factors may include prior chargingbehavior, current credit-worthiness, the issuer's desire to make loans,the riskiness of the transaction, the item being purchases, the retailer(or merchant or online e-commerce website) selling the item, or otherfactors. For example, if the consumer is purchasing a vacation for$2,000, or a major appliance for $2,000, there may be a different offeror rate or credit options from the issuer. For a small purchase of $50,there may be an offer to use points. As there is a high abandonment rateof online shopping carts, the issuer may use this offer of alternatepayments to encourage the consumer to complete the transaction. Thetransaction also may be consummated using the consumer's existing cardand processed through the merchant's existing payment system. Themerchant and their systems do not need to be a party to the alternatepayments at settlement.

The browser widget may be linked to a consumer account through a securechannel. This may include using a read-only API (Application ProgrammingInterface) or direct service to the issuing bank. This link mayoptionally not permit any transactions other than those associated withshopping behavior. By design, the link may optionally not be asubstitute for a bank's fully functional website. This browser widgetmay gather necessary data regarding the shopping items and carts andtransmit them to the card issuing bank for evaluation. If the data ismatched for an offer, the details may be transmitted back to the widgetfor presentment and decisioning by the consumer.

FIG. 1 depicts an example system 100 for use with providing third-partypayments with non-integrated merchants. System 100 may include acustomers 102, one or more of a third party 104, a network 106, aninstitution 108, and a database 110.

One or more customers 102 may be in communication with the system 100.The one or more customers 102 may be, for example and not by way oflimitation, an individual or business with a credit card or bankingaccount with a bank or other financial institution. A customer 102 mayuse the credit card or banking account to consummate a number oftransactions with others. For example and not by way of limitation, acustomer may utilize a credit card, debit card or mobile payment deviceto purchase an item at a retailer.

A customer 102 may wish to consummate a transaction with a third party104. The third party 104 may be, for example and not by way oflimitation, a purveyor of goods and services. The third party 104 may bea brick and mortar retail location, an individual performing services,an online retailer, a financial institution, or any other party. Thethird party 104 may host an online retail store, e-commerce website, orother site or application offering goods or services for sale to abuyer. For example and not by way of limitation, the third party 104 maywish to receive payment or otherwise consummate a transaction with acustomer 102.

Network 106 may enable communication between an institution 108 and oneor more customers 102. For example, Network 106 may be one or more of awireless network, a wired network or any combination of wireless networkand wired network. For example, network 108 may include one or more of afiber optics network, a passive optical network, a cable network, anInternet network, a satellite network, a wireless LAN, a Global Systemfor Mobile Communication (“GSM”), a Personal Communication Service(“PCS”), a Personal Area Network (“PAN”), Wireless Application Protocol(WAP), Multimedia Messaging Service (MMS), Enhanced Messaging Service(EMS), Short Message Service (SMS), Time Division Multiplexing (TDM)based systems, Code Division Multiple Access (CDMA) based systems,D-AMPS, Wi-Fi, Fixed Wireless Data, IEEE 802.11b, 802.15.1, 802.11n and802.11g or any other wired or wireless network for transmitting andreceiving a data signal.

In addition, network 106 may include, without limitation, telephonelines, fiber optics, IEEE Ethernet 902.3, a wide area network (“WAN”), alocal area network (“LAN”), or a global network such as the Internet.Also network 106 may support an Internet network, a wirelesscommunication network, a cellular network, or the like, or anycombination thereof. Network 106 may further include one network, or anynumber of the example types of networks mentioned above, operating as astand-alone network or in cooperation with each other. Network 106 mayutilize one or more protocols of one or more network elements to whichthey are communicatively coupled. Network 106 may translate to or fromother protocols to one or more protocols of network devices. Althoughnetwork 106 is depicted as a single network, it should be appreciatedthat according to one or more embodiments, network 106 may comprise aplurality of interconnected networks, such as, for example, theInternet, a service provider's network, a cable television network,corporate networks, and home networks.

Institution 108 may provide accounts for one or more customers 102. Inan example embodiment, the institution 108 may retrieve e-receipts fromthe electronic mail account of a customer 102 and extract data from thee-receipts. The institution 108 may store the extracted data in acustomer information database 110, and may optionally associate the datawith other portions of information, such as a line item on a statementfor presentation to the customer 102. Data may be stored in a formatsuch as, for example, a flat file, an indexed file, a hierarchicaldatabase, a post-relational database, a relational database, such as adatabase created and maintained with software from, for example Oracle®Corporation, Microsoft® Excel file, Microsoft® Access file, or any otherstorage mechanism.

FIG. 9 depicts an example system 900 that may enable a financialinstitution, for example, to provide network services to its customers.For example, system 900 may enable a financial institution to providethird-party payments with non-integrated merchants. As shown in FIG. 9,system 900 may include a client device 902, a network 904, a front-endcontrolled domain 906, a back-end controlled domain 912, and a backend918. Front-end controlled domain 906 may include one or more loadbalancers 908 and one or more web servers 910. Back-end controlleddomain 912 may include one or more load balancers 914 and one or moreapplication servers 916.

Client device 902 may be a network-enabled computer: As referred toherein, a network-enabled computer may include, but is not limited to:e.g., any computer device, or communications device including, e.g., aserver, a network appliance, a personal computer (PC), a workstation, amobile device, a phone, a handheld PC, a personal digital assistant(PDA), a thin client, a fat client, an Internet browser, or otherdevice. The one or more network-enabled computers of the example system900 may execute one or more software applications to enable, forexample, network communications.

Client device 902 also may be a mobile device: For example, a mobiledevice may include an iPhone, iPod, iPad from Apple® or any other mobiledevice running Apple's iOS operating system, any device running Google'sAndroid® operating system, including for example, Google's wearabledevice, Google Glass, any device running Microsoft's Windows® Mobileoperating system, and/or any other smartphone or like wearable mobiledevice.

Network 904 may be one or more of a wireless network, a wired network,or any combination of a wireless network and a wired network. Forexample, network 904 may include one or more of a fiber optics network,a passive optical network, a cable network, an Internet network, asatellite network, a wireless LAN, a Global System for MobileCommunication (GSM), a Personal Communication Service (PCS), a PersonalArea Networks, (PAN), D-AMPS, Wi-Fi, Fixed Wireless Data, IEEE 802.11b,802.15.1, 802.11n, and 802.11g or any other wired or wireless networkfor transmitting and receiving a data signal.

In addition, network 904 may include, without limitation, telephonelines, fiber optics, IEEE Ethernet 902.3, a wide area network (WAN), alocal area network (LAN) or a global network such as the Internet. Also,network 904 may support an Internet network, a wireless communicationnetwork, a cellular network, or the like, or any combination thereof.Network 904 may further include one network, or any number of exampletypes of networks mentioned above, operating as a stand-alone network orin cooperation with each other. Network 904 may utilize one or moreprotocols of one or more network elements to which they arecommunicatively couples. Network 904 may translate to or from otherprotocols to one or more protocols of network devices. Although network904 is depicted as a single network, it should be appreciated thataccording to one or more embodiments, network 904 may comprise aplurality of interconnected networks, such as, for example, theInternet, a service provider's network, a cable television network,corporate networks, and home networks.

Front-end controlled domain 906 may be implemented to provide securityfor backend 918. Load balancer(s) 908 may distribute workloads acrossmultiple computing resources, such as, for example computers, a computercluster, network links, central processing units or disk drives. Invarious embodiments, load balancer(s) 910 may distribute workloadsacross, for example, web server(S) 916 and/or backend 918 systems. Loadbalancing aims to optimize resource use, maximize throughput, minimizeresponse time, and avoid overload of any one of the resources. Usingmultiple components with load balancing instead of a single componentmay increase reliability through redundancy. Load balancing is usuallyprovided by dedicated software or hardware, such as a multilayer switchor a Domain Name System (DNS) server process.

Load balancer(s) 908 may include software that monitoring the port whereexternal clients, such as, for example, client device 902, connect toaccess various services of a financial institution, for example. Loadbalancer(s) 908 may forward requests to one of the application servers916 and/or backend 918 servers, which may then reply to load balancer908. This may allow load balancer(s) 908 to reply to client device 902without client device 902 ever knowing about the internal separation offunctions. It also may prevent client devices from contacting backendservers directly, which may have security benefits by hiding thestructure of the internal network and preventing attacks on backend 918or unrelated services running on other ports, for example.

A variety of scheduling algorithms may be used by load balancer(s) 908to determine which backend server to send a request to. Simplealgorithms may include, for example, random choice or round robin. Loadbalancers 908 also may account for additional factors, such as aserver's reported load, recent response times, up/down status(determined by a monitoring poll of some kind), number of activeconnections, geographic location, capabilities, or how much traffic ithas recently been assigned.

Load balancers 908 may be implemented in hardware and/or software. Loadbalancer(s) 908 may implement numerous features, including, withoutlimitation: asymmetric loading; Priority activation: SSL Offload andAcceleration; Distributed Denial of Service (DDoS) attack protection;HTTP compression; TCP offloading; TCP buffering; direct server return;health checking; HTTP caching; content filtering; HTTP security;priority queuing; rate shaping; content-aware switching; clientauthentication; programmatic traffic manipulation; firewall; intrusionprevention systems.

Web server(s) 910 may include hardware (e.g., one or more computers)and/or software (e.g., one or more applications) that deliver webcontent that can be accessed by, for example a client device (e.g.,client device 902) through a network (e.g., network 904), such as theInternet. In various examples, web servers, may deliver web pages,relating to, for example, online banking applications and the like, toclients (e.g., client device 902). Web server(s) 910 may use, forexample, a hypertext transfer protocol (HTTP or sHTTP) to communicatewith client device 902. The web pages delivered to client device mayinclude, for example, HTML documents, which may include images, stylesheets and scripts in addition to text content.

A user agent, such as, for example, a web browser, web crawler, ornative mobile application, may initiate communication by making arequest for a specific resource using HTTP and web server 910 mayrespond with the content of that resource or an error message if unableto do so. The resource may be, for example a file on stored on backend918. Web server(s) 910 also may enable or facilitate receiving contentfrom client device 902 so client device 902 may be able to, for example,submit web forms, including uploading of files.

Web server(s) also may support server-side scripting using, for example,Active Server Pages (ASP), PHP, or other scripting languages.Accordingly, the behavior of web server(s) 910 can be scripted inseparate files, while the actual server software remains unchanged.

Load balancers 914 may be similar to load balancers 908 as describedabove.

Application server(s) 916 may include hardware and/or software that isdedicated to the efficient execution of procedures (e.g., programs,routines, scripts) for supporting its applied applications. Applicationserver(s) 916 may comprise one or more application server frameworks,including, for example, Java application servers (e.g., Java platform,Enterprise Edition (Java EE), the .NET framework from Microsoft®, PHPapplication servers, and the like). The various application serverframeworks may contain a comprehensive service layer model. Also,application server(s) 916 may act as a set of components accessible to,for example, a financial institution or other entity implementing system900, through an API defined by the platform itself. For Webapplications, these components may be performed in, for example, thesame running environment as web server(s) 910, and application servers916 may support the construction of dynamic pages. Application server(s)916 also may implement services, such as, for example, clustering,fail-over, and load-balancing. In various embodiments, where applicationserver(s) 916 are Java application servers, the web server(s) 916 maybehaves like an extended virtual machine for running applications,transparently handling connections to databases associated with backend918 on one side, and, connections to the Web client (e.g., client device902) on the other.

Backend 918 may include hardware and/or software that enables thebackend services of, for example, a financial institution or otherentity that maintains a distributes system similar to system 900. Forexample, backend 918 may include, a system of record, online bankingapplications, a rewards platform, a payments platform, a lendingplatform, including the various services associated with, for example,auto and home lending platforms, a statement processing platform, one ormore platforms that provide mobile services, one or more platforms thatprovide online services, a card provisioning platform, a general ledgersystem, and the like. Backend 918 may be associated with variousdatabases, including account databases that maintain, for example,customer account information, product databases that maintaininformation about products and services available to customers, contentdatabases that store content associated with, for example, a financialinstitution, and the like. Backend 918 also may be associated with oneor more servers that enable the various services provided by system 900.In various example embodiments, backend 918 may include, for example thecomponents that enable providing third-party payments withnon-integrated merchants. For example, customer 102 may be associatedwith a client device 902 and institution 108 may be associated withbackend 918. Similarly, customer 102 may be associated with a clientdevice 902 and third party 104 may be associated with backend 918.

FIG. 2 provides an example method 200 for utilizing third party paymentswith non-integrated merchants. At block 202, the method may start. Atblock 204, an institution may intercept retailer data. The retailer datamay include, for example and not by way of limitation, informationregarding the price of an item or service for sale. The retailer datamay be intercepted at any stage in a transaction. For example, theretailer data may be intercepted upon presentation of an item list to aconsumer. Also, the retailer data may be intercepted upon a user requestto purchase an item or service, or in response to any other advantageousevent.

At block 206, an institution may analyze the retailer data electronicmessages. In an example embodiment, the institution may analyze theretailer data by comparing it with various account details associatedwith the customer. For example, the institution may analyze the retailerdata to determine if the user has enough of a credit line to purchasethe item, if points are available as at redemption, or whether the userqualifies for a credit limit increase or an alternate credit line. Theinstitution may analyze the retailer data messages for any otherrelevant information.

At block 208, the institution may present an offer or information to thecustomer based on the analysis. In an example embodiment, theinstitution may offer an alternate line of credit or method of payment.For example, a large purchase of $2000 may be identified as eligible fora one-time line of credit, rather than the consumer opting to revolvethe charge on a regular card account. Determining factors may includeprior charging behavior, current credit-worthiness, the issuer's desireto make loans, the riskiness of the transaction, the item beingpurchases, the retailer selling the item, or other factors. For example,if the consumer is purchasing a vacation for $2,000, or a majorappliance for $2,000, there may be a different offer or rate or creditoptions from the issuer. For a small purchase of $50, there may be anoffer to redeem points. Also, an offer of credit or purchase with pointsmay be made. This may be through a popup or through altering therendered page. If the customer accepts the offer to purchase with aspecial line of credit or to pay with points, the transaction maycontinue normally using the consumer's existing debit or credit cardfrom the issuer. When the consumer accepts the offer from the issuer,the value of the transaction, and the event time may be transmitted tothe issuer. Further, the institution may present information relating tohow a potential transaction or purchase would affect their accountbalance, credit limit, or financial standing. At block 214, the methodmay end.

FIG. 3 shows an example retail website 300 that may operate with asystem for providing third party payments with non-integrated merchants.In various examples, a consumer may use a client device, such as aclient device similar to client device 902, to access and complete apurchase via website 300.

In FIG. 4, which depicts an expanded view of a website 400, a user mayenable a plugin or application 401 and optionally enter anidentification code or other information 402.

FIG. 5 shows a website 500 including the presentation of an offer orinformation 501 to a user. For example and not by way of limitation, theoffer or information 501 may include, the color of the displayed itempricing may be altered to green or red, to indicate if the user hasenough of a credit line to purchase the item, or if points are availableas at redemption.

Also, FIGS. 6, 7, and 8 show presenting offers and/or information to auser. FIG. 6 displays a popup message 601 informing a user of sufficientbalance to purchase an item. FIG. 7 displays a popup message 701informing a user of insufficient balance to purchase an item. FIG. 8displays a popup message 801 informing a user of a sufficient balance topurchase an item, but warns the user of potential impact on theirfinancial status, for example decline in account balance.

It is further noted that the systems and methods described herein may betangibly embodied in one of more physical media, such as, but notlimited to, a compact disc (CD), a digital versatile disc (DVD), afloppy disk, a hard drive, read only memory (ROM), random access memory(RAM), as well as other physical media capable of storing software, orcombinations thereof. Moreover, the figures illustrate variouscomponents (e.g., servers, computers, processors, etc.) separately. Thefunctions described as being performed at various components may beperformed at other components, and the various components bay becombined or separated. Other modifications also may be made.

In the preceding specification, various preferred embodiments have beendescribed with references to the accompanying drawings. It will,however, be evident that various modifications and changes may be madethereto, and additional embodiments may be implemented, withoutdeparting from the broader scope of the systems and methods as set forthin the claims that follow. The specification and drawings areaccordingly to be regarded as an illustrative rather than restrictivesense.

1. A system, comprising: a processor that intercepts retailer data froma third party website; an analysis processor that analyzes theintercepted data in relation to data pertaining to a customer; and anpresentation processor that displays a payment option to a user on auser interface of a device associated with the user based on theintercepted retailer data.
 2. The system of claim 1, wherein the paymentoption is not associated with the third party website.
 3. The system ofclaim 1, wherein the analysis processor is associated with a financialinstitution, and wherein the financial institution offers the paymentoption apart from any payment options offered by the third partywebsite.
 4. The system of claim 1, wherein the analysis processoranalyzes the intercepted data to determine whether the user has enoughof a credit line to purchase an item on the third party website.
 5. Thesystem of claim 1, wherein the analysis processor analyzes theintercepted data to determine whether the user has enough rewards pointsto redeem an item on the third party website.
 6. The system of claim 1,wherein the analysis processor analyzes the intercepted data todetermine whether the user qualifies for a credit limit increase or analternate credit line.
 7. The system of claim 1, wherein the intercepteddata is retailer data.
 8. The system of claim 7, wherein the third partywebsite is an e-commerce website and wherein the intercepted datarelated to items for sale on the e-commerce website.
 9. A method,comprising: intercepting, using a processor configured to execute abrowser plugin, retailer data from a third party website; analyzing,using an analysis processor, the intercepted data in relation to datapertaining to a customer; and displaying, using a presentationprocessor, a payment option to a user on a user interface of a deviceassociated with the user based on the intercepted retailer data.
 10. Themethod of claim 9, wherein the payment option is not associated with thethird party website.
 11. The method of claim 9, wherein the analysisprocessor is associated with a financial institution, and wherein thefinancial institution offers the payment option apart from any paymentoptions offered by the third party website.
 12. The method of claim 9,further comprising analyzing, using the analysis processor, theintercepted data to determine whether the user has enough of a creditline to purchase an item on the third party website.
 13. The method ofclaim 9, further comprising analyzing, using the analysis processor, theintercepted data to determine whether the user has enough rewards pointsto redeem an item on the third party website.
 14. The method of claim 9,further comprising analyzing, using the analysis processor, theintercepted data to determine whether the user qualifies for a creditlimit increase or an alternate credit line.
 15. The method of claim 9,wherein the intercepted data is retailer data.
 16. The system of claim15, wherein the third party website is an e-commerce website and whereinthe intercepted data related to items for sale on the e-commercewebsite.